Election Year – What to Expect

October has always been one of my favorite months in the calendar year. The air begins to feel more crisp, football season is in full swing, and things can (sometimes) begin to slow down as you approach the holiday season and the year’s end. However, every four years October takes on added significance as the United States Presidential Election approaches. With an upcoming election, there is always a concern of what is to unfold and how to prepare for it.

Tax Policy Implications

Though there will be no incumbent this year, we can defer to ideologies of parties and proposals of tax policy for the current presidential candidates/parties. Some of these policies relate to increasing or decreasing rates for individuals, changes in tax rates of corporations, increases of certain credits and deductions, and many other areas involving tax. The Democrats have proposed raising the top marginal tax rate from 37% to 39.6%, while the Republicans have proposed keeping rates as they are and have been since the Tax Cuts and Jobs Act was enacted in 2018. Currently, the corporate tax rate sits at 21%. The Republican party is proposing lowering this rate to 20%, or even 15% for certain companies. The Democrats are proposing an increase in the corporate tax rate to 28%.  The Democratic party is proposing an increase in the child tax credit. The Republicans are proposing an increase in the deductibility of state and local taxes for those that itemize deductions. These are only a handful of proposed items between the two parties. It is important to familiarize yourself with potential changes in tax policy and how it may affect you and your financial picture. The Tax Foundation website has a good analogy of the different platforms each candidate is proposing in its page “Tracking 2024 Presidential Tax Plans”.

Market Performance

Historical trends involving political headlines have shown markets to have short-lived rallies and dips as investors handle anticipation of what is to come. However, elections have shown little long-term effect on market performance, and do not favor one party or the other. The Standard and Poor’s 500, commonly known as the S&P 500, measures the performance of 500 of the largest companies on U.S. stock exchanges. Since 1928 there have been 24 election years. Per Bloomberg’s annual percentage change of the S&P 500 index, in those election years the index has shown an average price return of 7.49%, and a return of 7.63% in the year following the election.

What To Do

With all the political media we are accustomed to seeing, it can be easy to get excited or anxious depending on your preferences, as to what will happen next. One thing that will never change is that having a plan when it comes to your financial life is a must. If you believe that you or your business may be affected by any potential change in tax policy, do not be afraid to ask questions or contact your Certified Public Accountant and/or CERTIFIED FINANCIAL PLANNER® for professional advice or planning. When it comes to your investments, creating a plan with sights on the long-term can most often weather any situation.

 

Published in the Victoria Advocate

Hayden Schilling, CPA is a staff accountant for Keller & Associates CPAs, PLLC.

 

Celebrate National 401(k) Day

September 6th, 2024 marks National 401(k) Day, an annual “celebration” to raise awareness about the importance of saving for retirement through employer-sponsored 401(k) plans. I encourage all working adults to take this opportunity to review their 401(k) accounts and ensure they are on track to reach their retirement goals.

The 401(k) is one of the most powerful retirement savings tools available to Americans. These plans allow employees to contribute a portion of their paycheck into an account that grows tax-deferred until retirement. Many employers also offer matching contributions, essentially giving you free money towards your retirement.

If you’re not contributing at least enough to receive your full employer match, you are potentially leaving money on the table. Employer matches are essentially a 100% return on your investment. If you take nothing else away from this article, I would recommend taking the time to ensure you are maximizing this valuable benefit.

Another important 401(k) consideration is your investment allocation. Many people make the mistake of being too conservative and holding too much of their portfolio in low-yielding cash and fixed income. If you have several decades until retirement, it is crucial to have a growth-oriented component of your portfolio to take advantage of the power of compounding. A diversified portfolio of stocks and bonds can provide strong long-term returns if you are willing to accept the volatility that comes with owning stocks.

Finally, keep in mind that 401(k) plans come with tax considerations. Contributions can be made with pre-tax dollars, which can lower your taxable income in the current year but are taxable to you when withdrawn in retirement. Alternatively, more and more plans offer the ability to contribute on a Roth basis which does not allow a current tax deduction but is not taxable to you when withdrawn in retirement. Consulting with your CPA can help maximize the right tax strategy saving related to your 401(k) account.

While it’s important not to over-contribute to your 401(k) at the expense of other financial goals, maximizing your retirement savings through this powerful tool should be a top priority. Take some time this 401(k) Day to review your account, increase your contribution rate if possible, and ensure your investments are properly allocated. A comfortable retirement is within reach for those who plan ahead and take advantage of the benefits 401(k) plans provide.

Published in the Victoria Advocate

Kyle W. Noack, CPA/CFP® is the Chief Executive Officer for Keller & Associates CPAs, PLLC and Keller Wealth Advisors.

 

Maximizing Retirement Funding at Tax Time

Another tax season deadline has arrived. Hopefully, you are not a last-minute filer and you have already taken care of filing your tax return. As our firm is wrapping up another busy, yet successful tax season, I thought it may be a good time to discuss some retirement funding opportunities you can review to make sure you are maximizing your options when filing your return.

First, let’s review some traditional pre-tax plans. These retirement account vehicles allow you to contribute pre-tax dollars, which reduces your taxable income for the year. The money grows tax-deferred, but you will pay ordinary income taxes when you make withdrawals in retirement.

401(k) – This is the most common pre-tax option that is provided by employers. Unlike some of the other pre-tax plan options, this funding must be completed before the end of the calendar year. Looking ahead, for 2024 you can contribute up to $23,000 ($30,500 if age 50 or older).

Traditional IRAs – If you qualify based on income limits, traditional IRA contributions may be tax-deductible up to $6,500 ($7,500 if age 50 or older) for 2023. Unlike the 401(k), you still have until April 15th to make your 2023 contributions.

SEP IRA & Solo 401(k) – These plans have options for those who are self-employed. Depending on factors limiting the threshold amounts, these contribution limits are much higher than the other pre-tax plans discussed. For 2023, SEP IRA contributions may be tax deductible up to $66,000 and the Solo 401k may be tax deductible up to $66,000 ($73,500 if age 50 or older). These plans can still be funded by April 15th or October 15th with a timely filed tax return extension and counted toward 2023.

The other group of plans I want to review are some after-tax plans. Contributions are made with after-tax dollars, but qualified withdrawals in retirement are completely tax-free. Meaning no current tax deduction but with future benefit in mind.

Roth 401(k) – Offered by some employer plans, this allows after-tax contributions and tax-free withdrawals in retirement. Limits are the same as traditional 401(k) and the contributions must be completed by the end of the calendar year. There is ample time to update payroll contributions for 2024.

Roth IRAs – Limits are the same as Traditional IRAs. These contributions offer no immediate tax deduction, but unlimited tax-free growth potential. These plans can also be funded until April 15th to have contributions count toward the 2023 tax year.

Roth SEP IRA & Solo 401(k) – These plans have been created and/or revised by the SECURE 2.0 Act of 2023. With some nuances, the contribution limits are the same as the pre-tax options. Roth versions of the SEP IRA and Solo 401(k) allow after-tax contributions and tax-free growth. These plans can still be funded by April 15th or October 15th with a timely filed tax return extension and count toward 2023.

Tax strategy is key when evaluating pre-tax vs. Roth options. Pre-tax offers an upfront deduction but is taxed later. Roth has no upfront deduction but can build a source of tax-free income in retirement.

No matter which path is right for you, maximizing retirement contributions can pay off through reducing current and future tax liability while building your nest egg. Tax season is the ideal time to review your retirement accumulation plan with your financial advisor.

Published in the Victoria Advocate

Christopher Laughhunn CPA/CFP® is the Tax & Accounting Principal for Keller & Associates CPAs, PLLC and an Associate Advisor for Keller Wealth Advisors.

Tax Status Update

If you are lucky enough to have them, you probably call your parents, text your siblings and message friends on social media, likely in frequent intervals to share a variety of details about your life. You might share photos of a new vehicle you purchased on your Facebook or submit a release to the newspaper about a change in job status. We share a multitude of details about our lives with everyone we know, and strangers alike but how often do we forget to pass along critical information to our CPA?

Communicating with your accountant or tax professional(s) during the year can help ensure you are maximizing your tax savings before or after any financial changes, some you might not even think are relevant. This is even more so an opportunity if you are a business owner, a self-employed taxpayer, or have any separate tax schedules. Imagine a “status update” that could save you tax.

I hope by this point you have at least added your accountant’s contact information as a contact in your phone to have them handy. Now you might ask, “but what information do they need to know about?” Here are some actions that might necessitate a note to the person handling your tax return:

Filing status – One of the first questions answered when preparing a 1040 tax return is checking a box for your filing status. Which of the five different filing status options (single, married filing jointly, married filing separately, head of household, and qualifying widow(er) with dependent child) chosen will determine the rates at which income will be taxed. If you have or plan to be married, divorced, or separated during the year, your CPA can help determine any changes that may be advantageous to be made, such as changing your federal withholding amounts or planning for an alimony or child support payment.

Dependents – Without corresponding with your tax preparer directly, you are leaving to chance that they see your Birth Announcement in the newspaper after your baby has arrived. If you are expecting a birth during the tax year, planning to foster or adopt, or have/expect to have a change in dependent(s) in your home, let your accountant be on the list to know. A quick phone call can help your CPA determine additional questions to ask for potential credits you may be eligible for and wish you some congratulations.

New employment endeavors – Income is a big part of your tax return, but so are expenses. If you don’t know the IRS Tax Code, you may be jeopardizing opportunities that exist for your new business or side hustle. You may benefit from having your CPA have a hands-on view of your business transactions and bookkeeping to find deductions that you may not be familiar with.

If you are entering or exiting the workforce, or even changing jobs, your tax professional should be in the loop. Likely this change in employment status will affect your income, thus your taxes.

Investments or Real Estate Transactions – Before jumping into a new investment or selling a property, a quick call could end up saving you big. Many investment or real estate transactions have holding periods or income cliff thresholds that will determine how they are taxed. A period of a few days could change whether an investment transaction receives beneficial tax treatment.

Your relationship with your CPA should be more than a once-a-year interaction. A good CPA is one that helps you and guides you throughout the year…just might need to first share your status update.

Published in the Victoria Advocate

Beth Koonce is a CFP® professional and Lead Advisor with Keller Wealth Advisors. 

 

CPAs: Enormous Value Add for Small Businesses

The business landscape is constantly changing and small business owners often find themselves juggling multiple responsibilities. From managing daily operations to increasing sales, business owners wear multiple hats. However, one hat that no small business owner should underestimate is that of a Certified Public Accountant (CPA). In this article, I hope to highlight the invaluable role of a CPA and why every small business should consider their services.

Time and Stress Savings

Having a CPA on board allows small business owners to focus on what they do best – running and growing their business. Delegating financial matters to a professional not only saves time but also reduces the stress associated with managing complex financial issues independently.

Financial Expertise in a Complex World

The financial aspects of running a business are perhaps the most challenging, with complex tax codes, regulations, and financial strategies evolving year by year. A CPA is a financial expert who specializes in navigating this intricate financial terrain.

Tax Compliance and Optimization

One of the most identifiable contributions of a CPA to small businesses is tax compliance and optimization. Tax laws are not only complex but also subject to frequent changes. Filing taxes incorrectly can lead to penalties, audits, and lost opportunities. CPAs stay updated through Continuing Professional Education on tax regulations, ensuring that businesses pay the least amount of tax they are legally obligated to. Look for a CPA who offers tax planning as a way to proactively optimize tax strategies to maximize tax savings.

Financial Planning and Budgeting

With guidance from a CPA, businesses can make informed decisions about investments, expansion, and cost-cutting measures, ultimately leading to long-term financial stability. Recently, one of my business clients called asking my thoughts on whether they should expand to add two additional pieces of machinery to their business operation. We worked to update their cash flows and tax projection while taking in to account the expansion opportunity. As a result, it was best for them purchase one piece of machinery in the current year and the other at the beginning of next year to optimize their cash flow as well as take advantage of depreciation deductions. This is a small example of the value CPAs offer to their clients.

Financial Transparency and Reporting

Transparency is crucial in the world of business. Small businesses need to provide accurate financial statements to investors, lenders, and stakeholders. CPAs ensure that financial statements are prepared in accordance with required accounting standards. This consistent application of professional guidelines helps to instill trust in markets and assists with securing financing and attracting investors. We recently worked with a small business client to prepare a set of financial statements that allowed them to consolidate their debt and obtain a more favorable interest rate.

The importance of a CPA for small businesses cannot be overstated. They are more than just number crunchers or bean counters. While some may see hiring a CPA as an added expense, it is, in fact, an investment that pays off through financial stability, tax savings, and peace of mind. Small businesses looking to prosper in today’s competitive market should consider enlisting the services of a qualified CPA to ensure their financial success.

 

Published in the Victoria Advocate

Kyle W. Noack, CPA/CFP® is the Chief Executive Officer for Keller & Associates CPAs, PLLC and KMH Wealth Management, LLC. 

2022 Year End Financial Planning Checklist

After a long, hot summer, fall is finally in the air. Crisp autumn mornings and pumpkin spice everything will be ringing in the holidays in no time. With the hustle and bustle of fall activities, the holidays and year end, spare time becomes even more of a premium. I will share with you a short checklist of last minute financial planning items to consider as 2022 begins to come to a close.

1. Review year-to-date capital gains and losses. The stock market has been extremely volatile the entire year. Depending on when you rebalanced your portfolio, you may have year-to-date capital gains or capital losses. Opportunities may exist to reduce tax liabilities by offsetting year-to-date capital gains with current losses in your portfolio. Alternatively, you may be able to rebalance your portfolio tax efficiently by offsetting any current gains with year-to-date capital losses. Grab your most recent portfolio statement to see where you stand.

2. Make required minimum distributions sooner rather than later. IRA owners over age 72 have required minimum distribution obligations to meet by year end. Most custodians have high volumes of documents to process right at year end. Making these decisions early will help alleviate the risk of not getting your distribution processed timely. Don’t forget that you can give up to $100,000 directly to charity from your IRA. This is known as a Qualified Charitable Distribution and is an extremely tax efficient alternative for those who are charitably inclined and may not need all of their required minimum distribution.

3. Identify Roth conversion opportunities. When I wrote in June, we discussed making lemonade out of market lemons. Roth conversions are an example of such a strategy. By utilizing depressed market values on your pre-tax IRAs, you can elect to convert an amount to a Roth IRA now and let the eventual market recovery happen on an after-tax basis. You will pay tax this year on the amount of the conversion so make sure you are managing your tax brackets accordingly. IRA owners over 65 should also take in to account the impacts on their Medicare premium costs when making a decision of whether to convert or not.

4. Maximize retirement savings opportunities. 401(k), IRA, Roth IRA and Health Savings accounts are all great retirement savings vehicles. These are all different plans with varying contribution limits, income phase outs and age restrictions. Reviewing your options for funding now will help you establish a roadmap of which vehicle is appropriate for you. Self-employed individuals should not overlook the benefits of SEP IRAs, Simple IRAs and Solo 401(k) plans.

5. Coordinate the above with your CPA. All four of the aforementioned items have direct interplay with your tax return and tax planning. Coordinating these decisions with your CPA will ensure you are making a tax-conscious decision as well as helping to get a jump start on preparing your 2022 income tax return.

This checklist is a representation of what our firm will be looking at for our clients between now and year-end. While not all inclusive, these are common items that should apply to most people and you should have the ability to complete this checklist in less than an hour.

Published in the Victoria Advocate

Kyle W. Noack CPA/CFP® is Chief Executive Officer of Keller & Associates CPAs, PLLC and KMH Wealth Management, LLC.

Opportunities in a Complicated Economy

The second-quarter GDP report released July 28th raised a red flag – the economy shrank for the second consecutive quarter. However, the August 5th jobs report pegged unemployment at only 3.5%, a sign that the US economy is still strong. So what’s the deal? Are we in a recession or not? The answer is complicated. The wide range of economic indicators that define the peaks and troughs of the US business cycle have long been derived from data that lags several months back. As a result, recessions are not declared until months after one has already started. So what is one to do in today’s complicated economy?

Ultra-high net worth families can make financial gifts while stock prices are low to use up less of their federal lifetime gift tax exemption. The current lifetime exemption of $12.06 million per person is scheduled to reduce substantially at the end of 2025. We are already implementing estate planning strategies for our clients whom this will affect. If you fall into this bracket, consider gifting at market lows to move funds out of your estate in a more tax efficient manner. Moreover, you should follow up with your estate planning attorney, CPA, and CFP® professional in the next year to make sure your estate plan accounts for the reduced lifetime exemption.

Retirees, don’t panic over market volatility or check your retirement accounts daily. If your asset allocation already reflects your risk capacity, your portfolio’s reduced exposure to equity should help carry you through the market turbulence. If the market’s impact on your portfolio still keeps you up at night, talk to your advisor about reevaluating your risk tolerance (the amount of risk you are actually willing to assume). You should already have an emergency fund of 3-6 months of expenses, plus any required minimum distribution (RMD) amounts already sitting in cash. Most post-World War II recessions have lasted 6-12 months. If you don’t think you can make it 6-12 months with what you have currently available, then plan for alternatives like adjusting your lifestyle or potentially returning to work.

Retirement savers should generally continue to invest retirement contributions while markets are down, and consider using any excess cash to increase retirement plan contributions. Market downturns are a great time to consider Roth conversions; when executed at reduced prices, this can be a significant tax savings strategy over the long term for retirees and savers alike. If you are concerned about the market decline’s impact on your ability to achieve future financial goals, schedule a review of your financial plan with your advisor. Sophisticated financial planning software makes it possible to visualize how a financial plan could respond to a whole range of real world uncertainties, not limited to market downturns. Keep your resume up-to-date and have a backup plan should you lose your job. Early retirement plan withdrawals in a down market should be avoided if at all possible.

Historically, the influence of short term challenges becomes less impactful when consistently engaged in long-term financial planning. Find a CERTIFIED FINANCIAL PLANNER™ professional to help you create a financial plan by going to https://www.letsmakeaplan.org/

Published in the Victoria Advocate

Hannah Gohmert is a CFP® professional with KMH Wealth Management, LLC. She is the Chief Compliance Officer of the firm.

Virtually Unlimited Investment Platforms

Stock trading and virtual currency once had the stigma of only being available to the wealthy or those with a vast knowledge of Information Technology (IT). The platforms needed to access either investment had many barriers to entry for consumers. Over time, these entry barriers naturally worked themselves out. Access to PC’s became more prevalent, smartphones began adding additional access points to investment platforms and virtual currency became more accessible via mainstream trading platforms similar to stock trading. These advances led to an increase in market competition driving down overall costs of participation. Now, there seems to be virtually unlimited investment platforms that offer trading of stocks, virtual currency and the like at either zero or minimal explicit costs.

With all of these advances in recent years, what was once a market for ‘few’ has become accessible to all, bringing along increasing popularity. Unfortunately, not all of these investments available to the average consumer will end up showing profits. Being both a CPA and CERTIFIED FINANCIAL PLANNER™ professional, I see not only positive returns from these investments but I also see the losses that can be incurred. That leads me to often wonder, is it a good financial decision for the general population to invest on their own using these options?

The short answer is yes, I do think it is a good financial decision…in theory.

The earlier in life you can begin making sound investments, the longer the time horizon is for an investment to receive compound growth. Alternatively, all investments have an inherent risk of losing your initial investment. Not every investment will be an income windfall. Although these online platforms have opened up many opportunities, they have also reduced the foundational knowledge that was once required to begin investing potentially adding overall risk of experiencing financial losses.

Here are a few suggestions to consider if you are planning on participating in self-managed investments:

– Develop a budget to ensure you have the available funds that would not break your emergency fund if you were to lose the entire investment.
– Do your research! Just because you read something on the internet or your friend told you something was the next “.com” boom, substantiate this with your own independent research from reputable sources.
– Consider mutual funds. Mutual funds provide low cost options and allow you to diversify across 100’s or even 1,000’s of stock positions while reducing risk, since your investment is spread across all of these positions.
– Understand how you will be taxed on investment gains and plan accordingly.

If after careful consideration, you decide self-managed investments are not something you are willing to risk, locate a CERTIFIED FINANCIAL PLANNER™ professional to you help make informed investment decisions. Consider adding a Certified Public Accountant to your plan to assist with tax planning options regarding your investments.

Happy Investing!

Published in the Victoria Advocate

Chris Laughhunn, CPA/CFP(R) is the Tax & Accounting Principal for Keller & Associates CPAs, PLLC and an Associate Advisor for KMH Wealth Management, LLC.

Making Lemonade out of Market Lemons

The stock and bond markets’ performance to date for calendar year 2022 has seen a sizable pullback in the markets and left investors searching for when things may improve. Elevated inflation levels, a Federal Reserve aggressively raising interest rates, Russia’s invasion of Ukraine and energy market supply and demand uncertainty has left most investors feeling the market has delivered them a basket full of lemons.

However, all is not lost and there are opportunities in any market. I will highlight two separate interactions from the past few weeks with clients who have decided to implement financial planning strategies to turn market lemons in to long term lemonade.

The first client is a man named Rick who works at local plant and is in his late 30s. Rick has recently received a pay raise from his employer. Rick called to ask my thoughts on the market and if there’s anything he should be doing. Knowing that Rick is a diligent saver and is cash flow positive, I advised Rick to contribute an additional $500 per month over his current 401(k) contribution to take advantage of being able to purchase more investments in his 401(k) at reduced price levels. Who doesn’t like bargain shopping?

The second client is a woman named Leslie who is a recent retiree from the oil and gas industry in her mid-60s. Leslie was a high earner for most of her career and accumulated a substantial portfolio to sustain her retirement. Most of Leslie’s savings are in IRA accounts that will be subject to required distributions and income tax beginning at age 72. Leslie has delayed Social Security until age 70 to maximize her benefit. Leslie is concerned with income taxes in retirement related to the large required IRA distributions and how that will subject more of her Social Security benefits to income taxation as well as increase the cost of her Medicare premiums. Leslie and I discussed the value of a regimented Roth conversion to address all of her concerns. Leslie agreed and is in the process of implementing an annual Roth conversion regimen.

These are two recent, but stark examples of how sound financial planning, even in the midst of uncertain and down markets, can result in sweet success for your long term financial plans.

Published in the Victoria Advocate

Kyle W. Noack CPA/CFP® is a managing member of Keller & Associates CPAs, PLLC and KMH Wealth Management, LLC.

Strategies for Success in Retirement

This is part 2 of a 2 part article series discussing retiring more successfully.

One of the most important things that you can do to set yourself up for success in retirement is to develop a solid financial plan. There are many planning strategies that a CERTIFIED FINANCIAL PLANNER™ professional can assist you with. Here are a few that I consider to maximize a client’s retirement success.

One retirement strategy that resonates with most is to plan to pay less in taxes, by paying the lowest tax rate possible. This is often easier said than done, and requires careful planning over a number of years. Do you have a year of low income? Perhaps you expect to make more money in the future from raises or required minimum distributions from an IRA, or perhaps you just expect that taxes will be raised in the future to pay for the massive spending packages being proposed and government debt already incurred.

If you are in a lower tax bracket now compared to where you expect to be in the future, a Roth Conversion can be a great strategy. With a Roth conversion, you pay tax at your current rate and are able to allow your Roth IRA to grow, with all earnings tax free if the rules are followed. There are added benefits as well, such as no distributions being required during the original account holder’s life.

Social Security is a significant fixed income source for many retirees. You paid into Social Security for many years, so it is important to maximize your hard earned benefits when you finally begin drawing. Unfortunately, 34% of people claim Social Security benefits early at age 62, locking in a lifetime of reduced benefits. Waiting until full retirement age increases benefits by 30%, and for every year you delay past full retirement age until age 70, your monthly benefit increases by 8%. The decision gets more complicated when you have an ex-spouse or deceased spouse record that you may file on, or other factors like pensions from jobs you did not withhold Social Security from. Discussing the risks and opportunities of different filing strategies with a financial advisor can help you maximize your hard earned benefits.

For those fortunate enough to still have a pension, you may have some critical choices to make at retirement, such as a lump sum payout versus pension for life, and further choices of single life or joint and survivor annuity options. With so many decisions, it is important to analyze your options. A single decision can make tens of thousands of dollars of difference, and there is no single best option for each retiree. Be sure to seek assistance as the right choice can easily pay for itself several times over.

Annuities have long been a popular strategy, but often come with concerns of high commissions and conflicts of interest. More recently, commission-free annuities are becoming more popular. A fee only advisor will recommend these, and not “sell” them. A broker typically sells annuities. By stripping out commissions, these products often have more advantageous rates, which can result in better returns to annuity holders. With low interest rates on bonds, commission-free annuities can be attractive alternatives. Annuities may provide you income for life and allow participation in market growth depending on the annuity’s structure. Annuity products are extremely diverse, so it is paramount to fully understand any annuity before adding it to your portfolio.

There are many more planning strategies that may be available to you in your particular situation, and it is important to talk to a CERTIFIED FINANCIAL PLANNER™ professional that has experience in these areas to facilitate your path toward a successful retirement!

Published in the Victoria Advocate

David Faskas is a CFA and CFP® Professional with KMH Wealth Management, LLC. He specializes in investments and portfolio management. He is the Chief Investment Officer, Chief Financial Planning Officer, and a managing member of the firm.

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